南川“加减乘除”组合拳 打通金融服务“最后一公里”

Core Insights - The article highlights the efforts of Nanchuan District in Chongqing to optimize the financial business environment through a "combination of addition, subtraction, multiplication, and division" strategy, aiming to enhance financial services for small and micro enterprises [1][6] Group 1: Financial Support Initiatives - Nanchuan District has established a credit account system to address the financing challenges faced by small enterprises, organizing 16 financing coordination meetings and resolving over 90 issues related to insufficient collateral [2] - Since the implementation of the financing coordination mechanism, Nanchuan has visited 40,500 market entities, resolving over 6,500 financial issues and recommending 9,258 small enterprises for credit, amounting to 13.126 billion yuan [2] Group 2: Cost Reduction Strategies - The district has created a collaborative financing coordination mechanism among government, banks, and enterprises, significantly reducing bank approval times by over 30%, with some loans being disbursed within one working day [3] - A specific case involved a company receiving a credit loan of 1.125 million yuan within one day, with a 90 basis points reduction in loan interest rates, effectively lowering financing costs [3] Group 3: Innovative Financial Products - Nanchuan District is focusing on the cultural tourism and health sectors, launching various specialized credit products such as "Jin Foshang Rural Tourism Loan" and "178 Homestay Loan" to support local businesses [4] - The "Jin Foshang Rural Tourism Loan" has provided 1.08 billion yuan to 322 businesses along the tourism route, enhancing the overall capacity and competitiveness of the tourism industry [4] Group 4: Credit Enhancement Measures - The district has implemented a credit repair mechanism to stimulate market vitality, helping over 100 enterprises resolve litigation risks and successfully assisting five companies in credit restoration [5] - A color-coded management system categorizes enterprises based on credit records and financial health, with 6,221 "green" enterprises being recommended to banks for financing support [5] Future Directions - The Nanchuan District government plans to continue refining its financial strategies, focusing on industry needs and optimizing service processes to enhance financial support for enterprises and drive regional economic development [6]